Please visit our Disclaimer for full details. Pay utility bills, credit card bills, etc. What these obligations amount to is that a customer must use the card in accordance with the conditions governing its use, and must not act negligently, for example, in communicating their credit card security details. There is no excess where the PIN has not been used,.g. The cards are known as cartes cadeaux, cartes rechargeables or cartes pour les personnes protégées. If you have an international Mastercard or Visacard from your home country you can use it in France but you will of course face the currency risk and, depending on the terms of your card, you may also be required to pay a fee. This number is available on all cash dispensers. Under the Code monétaire et financier, the bank is obliged to immediately reimburse their client to the amount of the unauthorised transaction.